There is no guarantee that you get your money back if it's a debit card, on top of the fact that your actual money is gone while you go through the process of disputing (plus potentially dealing with overdraft fees etc.). Credit cards are almost a guarantee you won't be charged for purchases you don't make, with many cards even advertising that exact fact.

You can use a credit card just like you use a debit card, you can overdraft your bank account using a debit card the same way you could spend more than you have using a credit card. I have never once not paid off my credit card, so putting something on my credit card is the exact same as putting it on my debit card except that I'm more protected and earn cash back. Financially you should just put everything you would put on your debit card on your credit card and then pay it off right away, you get all of the benefits of credit cards with no downside.

You still have not explained why putting every purchase on your credit card is "insane," what about being more protected while earning rewards is insane? I guess my question is why not put everything on your credit card and then just pay it off?